Systems and methods for completing transactions via curbside service

Abstract

A method performed by a processor of a financial institution computing system includes receiving a curbside transaction description from a device, transmitting a set-up request to a location computing system associated with a location, transmitting curbside transaction information to the device, receiving location information from the device indicative of the device being located at the location, initiating the curbside transaction, and servicing a user associated with the device via a receptacle chosen based on the location information and the curbside transaction description.

What is claimed is: 
     
       1. A method for completing a curbside transaction, the method comprising:
 receiving, by a financial institution computing system of a financial institution, a curbside transaction description from a device, the curbside transaction description comprising at least one of a transaction time, a location, and a transaction to be completed at the location; 
 transmitting, by the financial institution computing system, a set-up request to a location computing system associated with the location, the set-up request comprising the curbside transaction description; 
 transmitting, by the financial institution computing system, curbside transaction information to the device, the curbside transaction information comprising a location request of the device; 
 receiving, by the financial institution computing system, location information from the device indicative of the device being located at the location; 
 initiating, by the financial institution computing system, the curbside transaction; and 
 servicing a user of the device via a receptacle chosen based on the location information and the curbside transaction description. 
 
     
     
       2. The method of  claim 1 , wherein the curbside transaction description further comprises a vehicle description, the method further comprising:
 receiving, by the financial institution computing system, via a camera positioned in view of a predetermined curbside parking spot of the curbside transaction, vehicle information of a vehicle at the predetermined curbside parking spot; 
 comparing, by the financial institution computing system, the vehicle information of the vehicle with the vehicle description; and 
 authenticating, by the financial institution computing system, the vehicle as being associated with the curbside transaction. 
 
     
     
       3. The method of  claim 2 , wherein the curbside transaction description further comprises an authentication identifier, the method further comprising receiving, by the financial institution computing system, the authentication identifier from the device, wherein the curbside transaction is initiated based on authentication of the vehicle and receiving the authentication identifier, and wherein the authentication identifier includes at least one of a password string, a fob, a biometric scan, a request to present identification, or a picture of the user of the device. 
     
     
       4. The method of  claim 1 , wherein the curbside transaction description further comprises a predetermined curbside parking spot, the method further comprising receiving, by the financial institution computing system, the location information via at least one of a proximity sensor positioned at the predetermined curbside parking spot, a plate scanner configured to scan a plate of a vehicle at the predetermined curbside parking spot, or geo-fencing corresponding to the predetermined curbside parking spot. 
     
     
       5. The method of  claim 1 , wherein the curbside transaction description is at least one of a funds deposit, a funds withdrawal, or an exchange of a first type of funds for a second type of funds. 
     
     
       6. The method of  claim 1 , wherein the transaction time includes a range of time for which the user can arrive at the location to complete the curbside transaction. 
     
     
       7. The method of  claim 1 , further comprising, receiving, by the financial institution computing system, an arrival notification, the arrival notification responsive to the device being located at the location. 
     
     
       8. A non-transitory computer readable media having computer-executable instructions embodied therein that, when executed by a computing system associated with a financial institution causes the computing system to perform operations for completing a curbside transaction, the operations comprising:
 receiving a curbside transaction description from a device, the curbside transaction description comprising at least one of a transaction time, a location, and a transaction to be completed at the location; 
 transmitting a set-up request to a location computing system associated with the location, the set-up request comprising the curbside transaction description; 
 transmitting curbside transaction information to the device, the curbside transaction information comprising a location request of the device; 
 receiving location information from the device indicative of the device being located at the location; 
 initiating the curbside transaction; and 
 servicing a user of the device via a receptacle chosen based on the location information and the curbside transaction description. 
 
     
     
       9. The computer readable media of  claim 8 , wherein the curbside transaction description further comprises a vehicle description, the operations further comprising:
 receiving, via a camera positioned in view of a predetermined curbside parking spot of the curbside transaction, vehicle information of a vehicle at the predetermined curbside parking spot; 
 comparing the vehicle information of the vehicle with the vehicle description; and 
 authenticating the vehicle as being associated with the curbside transaction. 
 
     
     
       10. The computer readable media of  claim 9 , wherein the curbside transaction description further comprises an authentication identifier, the operations further comprising receiving the authentication identifier from the device, wherein the curbside transaction is initiated based on authentication of the vehicle and receiving the authentication identifier, and wherein the authentication identifier includes at least one of a password string, a fob, a biometric scan, a request to present identification, or a picture of the user of the device. 
     
     
       11. The computer readable media of  claim 8 , wherein the curbside transaction description further comprises a predetermined curbside parking spot, the operations further comprising receiving the location information via at least one of a proximity sensor positioned at the predetermined curbside parking spot, a plate scanner configured to scan a plate of a vehicle at the predetermined curbside parking spot, or geo-fencing corresponding to the predetermined curbside parking spot. 
     
     
       12. The computer readable media of  claim 8 , wherein the curbside transaction description is at least one of a funds deposit, a funds withdrawal, or an exchange of a first type of funds for a second type of funds. 
     
     
       13. The computer readable media of  claim 8 , wherein the transaction time includes a range of time for which the user can arrive at the location to complete the curbside transaction. 
     
     
       14. A financial institution computing system associated with a financial institution, the financial institution computing system comprising:
 a network interface configured to communicate data regarding a curbside transaction to and from a location computing system associated with the financial institution and a device associated with a user over a network; and 
 a circuit configured to:
 receive a curbside transaction description from the device, the curbside transaction description comprising at least one of a transaction time, a location, and a transaction to be completed at the location; 
 transmit a set-up request to the location computing system associated with the location, the set-up request comprising the curbside transaction description; 
 transmit curbside transaction information to the device, the curbside transaction information comprising a location request of the device; 
 receive location information from the device indicative of the device being located at the location; 
 initiate the curbside transaction; and 
 service the user of the device via a receptacle chosen based on the location information and the curbside transaction description. 
 
 
     
     
       15. The financial institution computing system of  claim 14 , wherein the curbside transaction description further comprises a vehicle description and wherein the circuit is further configured to:
 receive, via a camera positioned in view of a predetermined curbside parking spot of the curbside transaction, vehicle information of a vehicle at the predetermined curbside parking spot; 
 compare the vehicle information of the vehicle with the vehicle description; and 
 authenticate the vehicle as being associated with the curbside transaction. 
 
     
     
       16. The financial institution computing system of  claim 15 , wherein the curbside transaction description further comprises an authentication identifier and wherein the circuit is further configured to receive the authentication identifier from the device, wherein the curbside transaction is initiated based on authentication of the vehicle and receiving the authentication identifier, and wherein the authentication identifier includes at least one of a password string, a fob, a biometric scan, a request to present identification, or a picture of the user of the device. 
     
     
       17. The financial institution computing system of  claim 14 , wherein the curbside transaction description further comprises a predetermined curbside parking spot, wherein the circuit is further configured to receive the location information via at least one of a proximity sensor positioned at the predetermined curbside parking spot, a plate scanner configured to scan a plate of a vehicle at the predetermined curbside parking spot, or geo-fencing corresponding to the predetermined curbside parking spot. 
     
     
       18. The financial institution computing system of  claim 14 , wherein the curbside transaction description is at least one of a funds deposit, a funds withdrawal, or an exchange of a first type of funds for a second type of funds. 
     
     
       19. The financial institution computing system of  claim 14 , wherein the transaction time includes a range of time for which the user can arrive at the location to complete the curbside transaction. 
     
     
       20. The financial institution computing system of  claim 14 , wherein the circuit is further configured to receive an arrival notification, the arrival notification responsive to the device being located at the location.